8559 Stone Rd, Clay (Algonac), MI 48001 Property Records

St. Clair County property record for 8559 Stone Rd, Clay, MI 48001

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,352 sqft · built 1974
Lot Size	1.1 acres (47,916 sqft)
Owner	Individual Name on File
Last Sale	$205,000 (Apr 2019)
Tax Bill	$3,912 (2025)
Deeds & Mortgages	May 2026 Line of Credit Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`74-14-033-1034-000`

Property Details

APN / Parcel Number

Primary APN	`74-14-033-1034-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	1,352 sqft Living Area
1st Floor Area	1,352 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Lot Area	47,916 sqft (1.1 acres)
Lot Dimensions	267 ft deep x 160 ft wide
Garage Area	1,384 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Street Address	8559 STONE RD
City	CLAY
State	MI
Zip	48001-3813
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS-1
Legal Description	S 160' OF N 701.37' OF W 300' OF THAT PART OF NW 1/4 LYING E OF C.L. STONE RD. 1.10 A SEC 33 T3N R16E
Legal Range	16E
Legal Township	03N
Legal Section	33
Jurisdiction	SAINT CLAIR MI
Township / Civil Division	CLAY
Census Block Group	4
Census Block	4014
Census Tract	646000

Owner

8559 Stone Rd is owned and occupied by an individual who acquired it in February 2020.

Source: St. Clair County records, as of September 17, 2026

Owner of Record	Individual Name on File
Mailing Address	8559 STONE RD, CLAY, MI 48001-3813
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 27, 2026	Deed of Trust, Mortgage · Line of Credit HUNTINGTON NATIONAL BANK
Jun 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage TCF NAT'L BK
Mar 3, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Apr 9, 2019	Warranty Deed, Transfer · Conventional Mortgage CHEMICAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 9, 2019 · Amount on File
Deed Sale	Apr 9, 2019 · Amount on File
Deed Document Number	20196530
Deed Book / Page	5045 / 115
Last Transfer Date	Feb 25, 2020
Transfer Doc	0000515987
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Recording Date	May 27, 2026
Property Address	8559 STONE RD, CLAY, MI 48001-3813
Document Number	0005927637
Book / Page	5927 / 637
Instrument Date	May 12, 2026
Instrument	202610529
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8559 STONE RD, CLAY, MI 48001-3813

Mortgage

Document Number	0000010529,
Date	May 27, 2026
Book Page	5927/637
Instrument	202610529

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 12, 2056

Interest

Rate	6.3%
Max Rate	-1%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAINT CLAIR MI
Property Address	8559 STONE RD, CLAY, MI 48001-3813
Document Number	0052060143
Instrument Date	Jun 22, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	CISLO TITLE, CISLO TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8559 STONE RD CLAY MI 480013813, CLAY, MI 48001-3813

Mortgage

Document Number	0052060143
Date	Jun 30, 2020
Book Page	005206/000143

Lender

Name	TCF NAT'L BK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 29, 2050

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Mar 3, 2020
Property Address	8559 STONE RD, CLAY, MI 48001-3813
Document Number	0051590087
Book / Page	005159 / 000087
Instrument Date	Feb 25, 2020
Transaction Type	Transfer
Record Updated	Mar 19, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	8559 STONE RD CLAY MI 480013813, CLAY, MI 48001-3813

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAINT CLAIR MI
Recording Date	Apr 9, 2019
Property Address	8559 STONE RD, CLAY, MI 48001-3813
Document Number	0005045115
Book / Page	5045 / 115
Instrument Date	Mar 27, 2019
Instrument	2019006530
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	ATA NATIONAL TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,763.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	937 PINE ST, 937, COTTRELLVILLE, MI 48039-2250

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6397 COUNTRY FAIR CIR, BOYNTON BEACH, FL 33437-2823

Mortgage

Document Number	2019006532
Date	Apr 9, 2019
Instrument	2019006532

Lender

Name	CHEMICAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 8559 Stone Rd was $3,912 with a homeowner's exemption, up 2.4% from the year before.

Source: St. Clair County assessment roll, as of September 17, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	St. Clair County
County Subdivision	Clay Township
Unified School District	Algonac Community School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$140,800 (+4.92%)	$281,600
2025	$3,912.00 (+2.35%) Homeowner's exemption	$134,200
2024	$3,822.00		$268,400
2023		$113,700
2022	$3,516.00		$227,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 8559 Stone Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2011.

Source: FEMA National Flood Hazard Layer, effective July 20, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2011 · river or lake flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 8559 Stone Rd is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 51% of Michigan
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 57 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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